The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$45,212
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,618
−HK$1,429/mo
Today · 4.125%
HK$48,047
baseline
▲ 0.50% · 4.625%
HK$50,971
+HK$2,924/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$96,094/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,298
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,647
−HK$1,369/mo
Today · 4.125%
HK$53,016
baseline
▲ 0.50% · 4.625%
HK$55,810
+HK$2,794/mo
Deposit HK$9.91M · loan HK$9.91M · min. income ≈ HK$106,032/mo (50% DSR)
Upfront cash ≈ HK$10.66M (deposit + AVD stamp duty HK$743,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,255
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,942
−HK$1,715/mo
Today · 4.125%
HK$57,657
baseline
▲ 0.50% · 4.625%
HK$61,165
+HK$3,508/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$115,314/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,358
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,976
−HK$1,643/mo
Today · 4.125%
HK$63,619
baseline
▲ 0.50% · 4.625%
HK$66,972
+HK$3,353/mo
Deposit HK$7.93M · loan HK$11.90M · min. income ≈ HK$127,238/mo (50% DSR)
Upfront cash ≈ HK$8.67M (deposit + AVD stamp duty HK$743,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,297
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,266
−HK$2,000/mo
Today · 4.125%
HK$67,266
baseline
▲ 0.50% · 4.625%
HK$71,359
+HK$4,093/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$134,532/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,417
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,306
−HK$1,916/mo
Today · 4.125%
HK$74,222
baseline
▲ 0.50% · 4.625%
HK$78,134
+HK$3,912/mo
Deposit HK$5.95M · loan HK$13.88M · min. income ≈ HK$148,444/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$743,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,382
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,913
−HK$2,572/mo
Today · 4.125%
HK$86,485
baseline
▲ 0.50% · 4.625%
HK$91,748
+HK$5,263/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$172,970/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,537
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,965
−HK$2,463/mo
Today · 4.125%
HK$95,428
baseline
▲ 0.50% · 4.625%
HK$100,458
+HK$5,030/mo
Deposit HK$1.98M · loan HK$17.84M · min. income ≈ HK$190,856/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$743,538 · Scale 2, in force from 26 Feb 2026)